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The historical rank and industry rank for VCredit Holdings's OCF Margin % or its related term are showing as below:
FRA:5R6'
s OCF Margin % Range Over the Past 10 Years
Min: -1270.05 Med: -71.68 Max: 710.49
Current: 719.02
During the past 11 years, the highest OCF Margin % of VCredit Holdings was 710.49%. The lowest was -1270.05%. And the median was -71.68%.
FRA:5R6's OCF Margin % is ranked better than 98.5% of 533
companies
in the Credit Services industry
Industry Median: 2.7
vs FRA:5R6: 719.02
VCredit Holdings OCF Margin % Related Terms
VCredit Holdings OCF Margin % Historical Data
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The historical data trend for VCredit Holdings's OCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, VCredit Holdings's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
VCredit Holdings OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, VCredit Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where VCredit Holdings's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
VCredit Holdings (FRA:5R6) has a OCF Margin % of -1,177.43% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on VCredit Holdings and its competitors. According to the industry distribution chart, VCredit Holdings ranks #8 out of 533 companies in the Credit Services industry, placing it in the top 1.5%.
Is VCredit Holdings' OCF Margin % too high?
VCredit Holdings' current OCF Margin % is -1,177.43%. Based on the distribution chart, VCredit Holdings ranks #8 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, VCredit Holdings has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VCredit Holdings' OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, VCredit Holdings ranks #8 out of 533 companies for OCF Margin %. This places VCredit Holdings in the top 2% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.70. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.70, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on VCredit Holdings and its competitors. For the Credit Services industry, the median OCF Margin % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VCredit Holdings's current OCF Margin % is -1,177.43%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VCredit Holdings stock overvalued right now?
Based on GuruFocus' analysis, VCredit Holdings (FRA:5R6) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.06, compared to a current price of €0.09 — trading 50% above its estimated fair value. The current OCF Margin % is -1,177.43%. VCredit Holdings' overall GF Score™ is 21/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For VCredit Holdings (FRA:5R6), the current OCF Margin % is -1,177.43% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is VCredit Holdings (FRA:5R6) Overvalued in 2026?
Based on GuruFocus' analysis, VCredit Holdings stock appears to be overvalued.
The current stock price of €0.09 is trading 50% above its estimated GF Value™ of €0.06.
GuruFocus considers VCredit Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5R6:
OCF Margin %: -1,177.43%
GF Value™: €0.06 vs. price of €0.09 (50% above fair value)
No single metric tells the full story. See the FRA:5R6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VCredit Holdings Ltd is an investment holding company and has one operating segment. The Group is a technology-driven consumer financial service provider in the People's Republic of China. The Group offers tailored consumer finance products to prime and near-prime borrowers who are underserved by traditional financial institutions. The Group also offers consumer finance products by facilitating transactions between borrowers and financial institutions. The company generates the majority of its revenue from Interest and similar income.
21GF Score
Get the complete analysis for FRA:5R6
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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